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Simpay (formerly Alpha Card Services, but legally still Alpha Card Services, LLC) is a United States–based company that provides card processing services, payroll, Point of sale (POS) systems, gift and reward cards, ATM services, and merchant cash advances to smaller businesses in a wide variety of industries in the United States.
A company works out its ‘typical’ APR by taking into account past business that has arisen from advertising similar products, ideally over the previous 12 months. The Financial Services Authority (FSA) Archived 2009-02-27 at the Wayback Machine suggests to companies that they “list the APRs your customers have paid over the past 12 months.
A representative example is a term used in UK financial advertising regulations that aim to show consumers the typical costs associated with a product being advertised. The representative example must be provided when any financial services provider advertising a product, whether it is a credit card, loan or mortgage.
Individual card brands establish compliance requirements that are used by service providers and have their own compliance programs. Major card brands include American Express, Discover Financial Services, JCB, Mastercard, RuPay, UnionPay and Visa. Most companies use member banks that connect and accept transactions from the card brands.
A digital business card is an electronic version of the traditional paper business card. It is essentially a digital profile that contains contact information and other relevant details. [ 1 ] These cards can be shared electronically, often through QR codes , links, or NFC tags.
The law prohibits a credit card holder’s bank from charging or receiving interchange fees on portions of transactions, including taxes and gratuities. It is scheduled to go into effect July 1.
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